Major Rating Factors:
A current level of 21.5 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.6) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.2 and a net worth ratio of 0.0. Good liquidity 5.7, driven by a liquidity ratio of 39.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Home mtgs (24%), consumer loans (22%), other (53%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
One Kansas Avenue
Fort Peck, MT 59223
Fort Peck, MT 59223
Phone Number
(406) 526-3223
NCUA Charter Number
Website
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